Treasury & Risk Management System

Treasury & Risk Management system for Financial Institutions

SUMMA treasury & risk management system presents modular single system solution to help your organization efficiently meet all the treasury needs and optimize balance sheet performance.

SUMMA Treasury & Risk management system combines integrated front, middle and back office functionality with a unique workflow model, enabling user-configurable control throughout the lifecycle of any transaction. This provides banks and financial institutions with the control and automation required for efficient, streamlined operations.

Transaction management

SUMMA provides a comprehensive system for management of the entire transaction lifecycle. From deal entry to settlements, valuations, reporting and accounting outputs, SUMMA fully integrates the process of managing transaction flow in a robust and detailed way.

  • each transaction is assigned a unique reference number in a user-defined format. Becomes the unique audit number of the transaction
  • highly configurable workflow (direct and reverse condition-based transaction flow, ability to set-up and activate associated automatic events)
  • competitive counterparty quotes for improved execution analysis and auditing
  • deal acceptance - configurable 4-eyes principle for improved compliance and security
  • confirmation sent, confirmation matched
  • settlement of deal
  • custody settlement
  • daily bookkeeping


SUMMA covers an extensive range of instruments used in present-day financial markets, from simple cash instruments and securities, to more advanced linear derivatives as well as complicated non-linear products from the options space. In-depth coverage of all major markets is provided (FX and Money Market, Fixed Income, Equities and Commodities).

  • Cash/Money Market
    • Cash payments/transfers
    • Deposits/Loans
    • Discount/Commercial Papers
    • Money Market Funds
  • FX Market
    • FX Spot/Forward/Swap
    • FX Options (Including exotic features)
    • Non-deliverable Forwards
  • Fixed Income
    • Bonds (Fixed rate/Floating rate/Index-linked)
    • IR Swaps/ FRAs
    • Options on Bonds, Swaptions, Caps/Floors
  • Loans/Bonds with foreign currency clause
    • Initial Principal and Repayments in different currency
    • Repayments linked to prevailing market FX rate
  • Equity Market
    • Shares/Equity Funds
  • Commodities/Commodity Swaps
  • Islamic Finance
    • Islamic Profit Rate Swaps

Instrument actions

Portfolios with with extensive number of transactions across various instruments require significant amount of maintenance, tying down resources. SUMMA either automates or simplifies actions related to position management, reducing costs and improving efficiency by preventing unnecessary errors

  • Fee management (transaction and cashflows)
  • Roll-over
  • Early-expiration
  • Rate/coupon fixing
  • Forward/future fixing
  • Option exercise
  • Custody transfer
  • Dividend calculations

Position & risk management

Optimal capital allocation, prevention of excessive losses and meeting of regulatory requirements are all critical aspects of running a financial services organization. SUMMA’s extensive risk management capabilities will enable you to achieve all of the above leading to a well-run and sound institution.

  • Mark-to-market of all transactions, price quote calculation for currency pairs, zero-coupon yield curves, valuation models for derivatives
  • Liquidity position (liquidity risk) - by calendar gaps, risk gaps, by banks/bank account, by currency, by company/portfolio. Option to include forecasts, operational flows or any other external flows (commodity related)
  • Ability to link exposures and hedges together (Hedge relationship) to better analyze and evaluate hedging strategies
  • FX exposure, definition of FX risk by currency (percent of FX risk)
  • FX risk management - Currency position monitor, grouping by FX gaps, FX hedging, currency contribution
  • Simulations (interest/FX rate sensitivities, simulated transactions)
  • Drill-down up to a transaction level for risk contribution
  • IR exposure – duration, DV01
  • Equity exposure, definition of equity risk per instrument
  • Credit Risk (client hierarchies, client groups, countries, ratings, guarantors)
  • Settlement Risk (with or without credit agreement in place)
  • Limits - possibility to define and monitor multiple level limits on the positions and using different risk measures
  • Value at Risk – historical or applying Monte-Carlo simulation

Static data management

SUMMA provides a highly versatile and configurable system. By defining an appropriate portfolio structure and user groups, SUMMA gives you the ability to replicate and reflect the hierarchy of your organization, reporting responsibilities and fully implement your compliance strategy.

  • audit trail for all actions performed within the system
  • configurable fields available across the system
  • configurable Groups and Group levels available across the system
  • portfolio hierarchical structure, multiple hierarchies
  • active from/active to feature

Reporting & Business Intelligence

Extensive range of reports and analytical tools ensures timely and accurate overview and monitoring of risk positions and exposures. Reporting in SUMMA is highly customisable and the system provides interconnectivity with several applications.

  • position and risk reporting
  • workflow reporting, identification of required tasks and status monitoring
  • filtering/grouping/pivoting
  • calculated columns
  • delivery of the reports (screen-based, by e-mail, formal reporting in PDF format)
  • Microsoft office connectivity with ability to enhance quality of documents by adding system #hashtags


  • daily bookkeeping
  • periodic booking
  • book value change

Operations (Back Office)

SUMMA offers centralization, control and visibility in the entire Back Office process. Automating processes and tasks frees up resources, while rigorous checks minimize errors in payments, settlements and general transaction management.

  • Automated Confirmations
    • Tickets, e-mail confirmation
    • SWIFT messages
    • Matching systems connectivity
  • Settlement
    • Direct bank interface
    • SWIFT
    • Payment netting rules
    • Splitting
    • Bank balance import and reconciliation, exceptions handling
  • Custody settlement
    • Custody settlement
    • Deliver vs Payment (DvP) settlement
    • Custody balance calculation
    • Custody balance import and reconciliation


SUMMA provides a very high level of interconnectivity with other systems and applications used in financial markets. This is supplemented by compatibility with major market data providers and trading systems. User conform is enhanced by Straight Through Processing(STP) of transactions for certain types of trades/systems.

  • Cash Forecast
  • Payments and Receivables (ERP)
  • Balances (Bank)
  • Payments (Bank, SWIFT)
  • Confirmation (Bank, SWIFT)
  • Trades (Bloomberg, Reuters, Web-platforms)
  • Accounting (ERP)
  • Market Information management
  • Risk related (Ratings, Correlations and volatilities)

Are You Looking For Treasury Management System?

Feel free to download brochures about our Treasury & Risk management system, for corporates and financial institutions.

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Financial Institutions